Donegal Insurance Group
Donegal Insurance Group is a regional property and casualty insurer offering personal, commercial, and farm coverage through independent agents across 21 U.S. states, with FY2025 net premiums earned of $921.2 million and a Guidewire-based technology modernization underway.
- Company typePublic
- Founded1889
- HeadquartersMarietta, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Donegal Insurance Group does
Donegal Insurance Group is a regional property and casualty insurance holding company headquartered in Marietta, Pennsylvania, founded in 1889 and operating through a dual-entity structure in which Donegal Mutual Insurance Company (a mutual insurer) controls Donegal Group Inc., publicly traded on NASDAQ under DGICA and DGICB. The group writes personal, commercial, and farm insurance products — including auto, homeowners, dwelling fire, umbrella, boatowners, businessowners, commercial package, workers' compensation, commercial auto, contractors, garage, and farmowners coverages — distributed exclusively through a network of independent insurance agents across 21 U.S. states spanning the Mid-Atlantic, Midwest, New England, Southern, and Southwestern regions. Multiple wholly-owned operating subsidiaries (Atlantic States, Michigan Insurance, Mountain States Commercial, Mountain States Indemnity, Peninsula Indemnity, Peninsula Insurance, Southern Insurance Company of Virginia, Southern Mutual, and Conestoga Title Insurance) execute the underwriting, with regional offices in Marietta PA, Glen Allen VA, Athens GA, Grand Rapids MI, and Albuquerque NM.
Revenue is generated primarily through property and casualty insurance premiums (FY2025 net premiums earned of $921.2M, down 1.7% on planned personal lines attrition) supplemented by net investment income of $52.6M (+17.2% YoY). FY2025 net income reached a record $79.3M (+56% YoY) with a 95.4% combined ratio improved from 98.6%. The company maintains an A.M. Best 'A' (Excellent) financial strength rating, 25 consecutive years of dividend payments, and five consecutive years of dividend increases.
The technology platform is built on Guidewire for core policy administration, billing, and claims, with a multi-year migration to Guidewire Cloud targeted for completion by 2028 (claims and billing in early 2027). Donegal has deployed its first generative AI solution into production with additional pilots in flight, supported by a dedicated organizational buildout across enterprise analytics, data management, digital transformation, and automation. The customer-facing mobile app supports policy access, digital ID cards, billing, payments, and claims submission; agents are served by proprietary WritePro, WriteBiz, and WriteFarm digital tools. The 2026 auditor change from KPMG to BDO USA and recent open-market stock purchases by the controlling mutual parent reflect ongoing governance and capital allocation evolution.
Donegal Insurance Group firmographics
Firmographics- Name
- Donegal Insurance Group
- Legal name
- Donegal Mutual Insurance Company
- Website
- https://donegalgroup.com
- Company type
- Public
- Founded year
- 1889
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Donegal Insurance Group is a regional property and casualty insurer offering personal, commercial, and farm coverage through independent agents across 21 U.S. states, with FY2025 net premiums earned of $921.2 million and a Guidewire-based technology modernization underway.
- Ownership category
- akta.pro rank
Donegal Insurance Group industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Title Insurance Carriers (524127)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industries
- Umbrella Insurance (FSAJAMAK), Title Insurance & Underwriting (BPAJAOAA)
Keywords
Where Donegal Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Marietta
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Donegal Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Property and Casualty Insurance Premiums: Primary revenue stream from underwriting property and casualty insurance policies. Premiums are collected upfront and recognized over the policy period. Includes personal lines (automobile, homeowners, dwelling fire, umbrella, farm, boat) and commercial lines (businessowners, contractors, commercial package, commercial automobile, workers compensation, etc.).
- Net Investment Income: Investment income from the company's investment portfolio, which increased 17.2% to $52.6 million in 2025. Investment returns supplement underwriting operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Account Credit Plan for bundled policies |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
Donegal Insurance Group product offering
Product offeringCore offering
Donegal Insurance Group underwrites and sells personal, commercial, and farm property and casualty insurance products — including personal auto and homeowners, businessowners, commercial package, commercial auto, workers' compensation, contractors, auto dealers, farmowners, umbrella, and related liability coverages — distributed exclusively through independent agents across 21 U.S. states. Products are issued by its member insurance companies (Atlantic States, Michigan, Mountain States, Peninsula, Southern, and Southern Mutual) and complemented by a full-featured mobile app, loss control, and premium audit services.
Product overview
Donegal Insurance Group operates as a multi-company insurance holding organization offering personal and commercial property and casualty insurance products through a network of affiliate companies (Atlantic States Insurance, Michigan Insurance, Mountain States Commercial Insurance, Peninsula Insurance, Southern Insurance Company of Virginia, and Southern Mutual Insurance). The product portfolio spans three core lines: Personal Insurance (Automobile, Homeowners, Umbrella, Dwelling Fire, Boatowners), Commercial Insurance (Businessowners, Contractors, Commercial Package, Automobile, Umbrella, Auto Dealers, Workers' Compensation, Employment Practices Liability, Liquor Liability, E&O, Garage), and Farm Insurance (Farmowners with Dairy Farmer Select program). Additional services include Loss Control, Premium Audit, Title Insurance, and a consumer-facing Mobile App. The company distributes exclusively through independent agents across 21 U.S. states and is undertaking significant technology modernization including Guidewire Cloud migration and GenAI integration.
Differentiator
Problem solved
Functional benefit
Brands
- Dairy Farmer Select Farmowners Program: Insurance program designed for preferred full-time dairy farm operations with rate reductions and additional coverages
- Tradesman's Advantage Contractors Insurance
- BOP Select Businessowners Insurance
- EZGLASS Auto Glass Repair/Replacement Program
- WritePro, WriteBiz, WriteFarm
Products and services
- Personal Automobile Insurance Vehicle coverage protecting against accidents, theft, and damage with options including collision, comprehensive, liability, and uninsured motorist protection, sold to individuals and families through independent agents.
- Homeowners Insurance Property coverage protecting homes, garages, and personal possessions against perils including windstorms, fire, and theft, with additional living expense reimbursement, sold to individuals and families through independent agents.
- Dwelling Fire Insurance Coverage for fire damage and related perils on residential dwellings, often required by mortgage lenders, sold to individual property owners through independent agents.
- Personal Excess Liability (Umbrella) Insurance Additional liability coverage above the limits of underlying homeowners and auto policies, providing protection against major personal claims and lawsuits, sold to individuals and families through independent agents.
- Boatowners Insurance Protection for recreational vessels, motors, equipment, and related liability, with optional towing and personal property coverages, sold to individual boat owners through independent agents.
- Businessowners Insurance (BOP) Package policy combining property, liability, and business interruption coverages for small to medium-sized businesses, sold through independent commercial agents.
- Tradesman's Advantage Contractors Insurance Specialized coverage for artisan contractors providing property coverage for building and contents, liability protection, and tool/equipment coverage at shop, truck, or job site, sold to contractors through independent agents.
- Commercial Package Policy Flexible multi-coverage insurance combining property and liability protections for commercial operations, sold to small and mid-market businesses through independent agents.
- Commercial Automobile Insurance Coverage for business vehicles including liability, physical damage, and protection for customer vehicles in service or for sale, sold to commercial accounts through independent agents.
- Auto Dealers Insurance Flexible coverage for automobile or truck repair, service, or sales businesses providing liability and physical damage protection for service vehicles, customer vehicles, and inventory, sold through independent agents.
- Workers' Compensation Insurance Coverage paying for medical care and rehabilitation of injured workers plus wage replacement during disability, as mandated by state laws, including a 24/7 nurse triage hotline for non-life-threatening workplace injuries, sold to commercial employers through independent agents.
- Commercial Garage Insurance Protection for automobile and truck service or sales businesses covering service vehicles, customer vehicles, and vehicles held for sale, sold to garage operators through independent agents.
- Farmowners Insurance Protection for farms combining homeowners-style coverage for home and personal property with farm-specific coverage for barns, buildings, livestock, and machinery, sold to farm owners through independent agents.
- Title Insurance Indemnity protection against losses from defects in real estate title, offered through Conestoga Title to property buyers, sellers, and lenders in Donegal's operating region.
- Donegal Insurance Group Mobile App Full-featured mobile app letting insureds view policy information, coverages and documents, access digital ID cards, view billing, make payments, and submit and view claims.
Quantifiable outcome
- Combined ratio improved to 95.4% in 2025 from 98.6% in 2024
- +2 more outcomes
Companies that use Donegal Insurance Group
Customer profileSegments3 records
Ideal customer profiles3 records
Donegal Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature3 records
Donegal Insurance Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- GuidewirecoreGuidewire provides cloud-based insurance platform for claims, billing, and policy administration. Donegal is migrating its on-premises Guidewire systems to the Guidewire Cloud platform, with claims and billing migration targeted for early 2027 and policy administration completion by 2028. This migration aims to enhance agility, reduce operational costs, and support long-term growth.
- CorVelcoreCorVel provides 24/7 nurse triage hotline for non-life-threatening workplace injuries. When a work-related injury occurs, injured employees can call the hotline to speak with a registered nurse who recommends appropriate treatment including first aid, medical provider referral, or telehealth connection. Program available in all states.
- Union Community BankminorBanking services offered through Union Community Bank for customers seeking financial services products alongside their insurance coverage.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
Donegal Insurance Group competitors and assessment
Company assessmentDirect peers
- Selective Insurance Group: Selective Insurance Group is a publicly traded regional P&C carrier of comparable size focused on commercial lines and small-to-mid-market businesses across the Eastern U.S. Like Donegal, it distributes through independent agents, reports a combined ratio as a key performance metric, and operates a similar mix of standard and specialty commercial products.
- Erie Indemnity Company: Erie Indemnity operates a regional property and casualty insurance franchise with a similar exclusive independent agent distribution model in the Mid-Atlantic and Midwest. Like Donegal, Erie emphasizes personal lines leadership, mutual/employee-aligned ownership, and consistent underwriting discipline with a long dividend track record.
- Cincinnati Financial: Cincinnati Financial is a Midwest-rooted P&C insurer that writes personal, commercial, and surplus lines through a select group of independent agents. Its mutual-aligned culture, conservative reserving, and emphasis on underwriting profitability closely mirror Donegal's stated approach.
- Westfield Insurance: Westfield Insurance is a privately held mutual P&C carrier focused on the Midwest and Mid-Atlantic with independent agent distribution. It competes head-to-head with Donegal in many of the same states and serves similar personal, commercial, and farm customer segments.
- RLI Corp. RLI Corp. is a specialty P&C insurer of similar scale that writes through wholesale and independent channels with strong underwriting margins. Its specialty product focus, conservative combined ratio, and small-cap public profile make it a useful benchmark for Donegal's underwriting profitability.
- The Hanover Insurance Group: Hanover Insurance Group is a regional P&C carrier with overlapping personal and commercial lines distributed through independent agents in the Northeast and Midwest. Its product breadth, agent-led model, and combined ratio orientation make it one of the closest publicly traded comparables for Donegal.
- Employers Holdings: Employers Holdings is a smaller publicly traded P&C carrier specializing in workers' compensation distributed through independent agents. While narrower in product scope, its size, agent distribution model, and combined ratio discipline make it a relevant comparable for Donegal's commercial lines performance.
Broad incumbents
- Liberty Mutual Insurance: Liberty Mutual is a large national mutual P&C carrier with overlapping personal, commercial, and specialty lines. Its scale, multi-channel distribution (including direct), and broader product set make it a competitive threat in markets where Donegal operates.
- Travelers Companies: Travelers is a national P&C incumbent that writes personal, commercial, and specialty lines at significantly greater scale than Donegal. As a broad incumbent it competes with Donegal on commercial accounts and umbrella/excess placements, and serves as a benchmark for expense ratio and combined ratio performance.
- State Farm: State Farm is the largest U.S. personal lines P&C writer with a captive agent model that competes for the same auto and homeowners customers Donegal serves through independent agents. Its brand strength, pricing data, and direct customer relationships set the competitive ceiling for regional personal lines carriers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Donegal Insurance Group social profiles
Digital presenceDonegal Insurance Group compliance and trust
Trust signalCompliance1 record
Donegal Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Donegal Insurance Group leadership team
Management profileNumber of profiles
Profiles11 records
Donegal Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries9 records
Donegal Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Donegal Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Donegal Insurance Group
What does Donegal Insurance Group do?
Donegal Insurance Group underwrites and sells personal, commercial, and farm property and casualty insurance products — including personal auto and homeowners, businessowners, commercial package, commercial auto, workers' compensation, contractors, auto dealers, farmowners, umbrella, and related liability coverages — distributed exclusively through independent agents across 21 U.S. states. Products are issued by its member insurance companies (Atlantic States, Michigan, Mountain States, Peninsula, Southern, and Southern Mutual) and complemented by a full-featured mobile app, loss control, and premium audit services.
Is Donegal Insurance Group a public or private company?
Donegal Insurance Group is a public company. It is classified as public and is currently operating.
When was Donegal Insurance Group founded?
Donegal Insurance Group was founded in 1889. It employs 501 to 1,000 people.
Where is Donegal Insurance Group based?
Donegal Insurance Group is headquartered in Marietta, United States, in the North America region.
How does Donegal Insurance Group make money?
Two revenue lines are on record. Property and Casualty Insurance Premiums are the primary driver. The others are net Investment Income.
Who are Donegal Insurance Group's main competitors?
Direct peers on record are Selective Insurance Group, Erie Indemnity Company, Cincinnati Financial, Westfield Insurance, RLI Corp., The Hanover Insurance Group and Employers Holdings. Broad incumbents are Liberty Mutual Insurance, Travelers Companies and State Farm.
Does Donegal Insurance Group have an API?
No public API is recorded for Donegal Insurance Group.
What industry is Donegal Insurance Group in?
Donegal Insurance Group's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance, with a secondary code of FSAJAMAK, Umbrella Insurance. Its NAICS code is 524126 and its SIC code is 6331.